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Pengukuran Risiko dan Expected Value pada Keputusan Pemasaran Bancassurance di Industri Keuangan Akbar, Rahmat; Zain, Irsyadi; Nefrida
Jurnal Pustaka Manajemen (Pusat Akses Kajian Manajemen) Vol 5 No 2 (2025): Jurnal Pustaka Manajemen
Publisher : Pustaka Galeri Mandiri

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Abstract

This study aims to analyze the influence of perceived risk, product benefits, and marketing communication quality on customers’ decisions to purchase bancassurance products using the expected value approach. This approach is employed to explain how customers evaluate the probabilities of potential benefits and risks before making decisions under conditions of uncertainty. Primary data were collected through a questionnaire that was validated using expert-based content validity and tested for reliability using Cronbach’s Alpha. Data were analyzed using descriptive techniques and decision analysis based on expected value. The results indicate that perceived risk, product benefits, and marketing communication quality significantly affect purchasing decisions, with communication quality emerging as the most dominant factor. A higher expected value significantly increases customers’ likelihood of choosing bancassurance products. These findings highlight the importance of transparent information, enhanced product benefits, and simplified risk structures in improving bancassurance marketing effectiveness. This study contributes to the development of risk-based marketing strategies in the financial industry and offers empirical insights for banks in designing more competitive marketing communications and protection products.
Penentuan Opsi Investasi Optimal pada Pasar Modal Volatil: Analisis Maximax, Maximin, dan Minimax Regret Akbar, Rahmat; Mar'aini; Jusmarni
Jurnal Pustaka Manajemen (Pusat Akses Kajian Manajemen) Vol 5 No 2 (2025): Jurnal Pustaka Manajemen
Publisher : Pustaka Galeri Mandiri

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Abstract

The increasing volatility of the capital market driven by global economic uncertainty requires investors to select optimal investment options despite limited information. This study aims to analyze investment decision-making using three primary approaches under uncertainty: the Maximax, Maximin, and Minimax Regret methods. The data consist of historical returns from several large-cap stocks listed on the Indonesia Stock Exchange (IDX) over the past three years, which show substantial fluctuations. The analysis compares payoff values under different market conditions (optimistic, moderate, and pessimistic) and calculates regret levels to identify the most efficient investment alternative. The findings indicate that the Maximax method favors high-risk stocks with the highest potential returns, the Maximin method prioritizes stable defensive stocks, while Minimax Regret offers the most balanced decision by accounting for potential opportunity losses. Managerial implications highlight the importance of understanding investor risk profiles when formulating investment strategies and the need for financial institutions to provide uncertainty-based analytical tools. This study contributes to the investment decision-making literature in volatile markets by demonstrating the applicability of classical uncertainty decision models in generating adaptive and measurable investment strategies.
PERANCANGAN USER INTERFACE DAN USER EXPERIENCE APLIKASI SYARIDE MENGGUNAKAN METODE DESIGN THINKING Akbar, Rahmat; Fitria, Rahma; Ulva, Ananda Faridhatul
JUSIM (Jurnal Sistem Informasi Musirawas) Vol 10 No 2 (2025): JUSIM : Jurnal Sistem Informasi Musi Rawas DESEMBER
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jusim.v10i2.2704

Abstract

Transportasi merupakan elemen penting bagi mahasiswa, khususnya di Lhokseumawe, di mana layanan transportasi online yang ada belum sepenuhnya sesuai dengan prinsip syariah dan Qanun No. 6 Tahun 2014 tentang Hukum Jinayat, terutama terkait interaksi antara pengemudi dan penumpang yang berlainan jenis kelamin. Penelitian ini bertujuan merancang aplikasi transportasi online berbasis syariah yang memungkinkan pemilihan pengemudi sesuai jenis kelamin. Metode pengembangan yang digunakan adalah Design Thinking (Empathize, Define, Ideate, Prototype, Testing), dengan evaluasi User Experience Questionnaire (UEQ). Hasil pengujian menunjukkan skor positif pada aspek Attractiveness (2,16) dan Efficiency (2,10) (Excellent), Dependability (2,03) (Excellent), Perspicuity (1,80) dan Stimulation (1,68) (Good), serta Novelty (1,05) (Above Average). Temuan ini membuktikan bahwa desain UI/UX aplikasi telah memenuhi kebutuhan pengguna sekaligus selaras dengan nilai-nilai Islam dan budaya setempat. Penelitian ini memberikan kontribusi dalam pengembangan layanan transportasi yang lebih inklusif dan sesuai syariah.